National Bank of OmanOG (MUS:NBOB) 10-Year RORE % : -24.47% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MUS:NBOB National Bank of Oman SAOG MUS:NBOB
49 GF Score
Price ر.ع0.45
GF Value ر.ع0.29
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is National Bank of OmanOG 10-Year RORE %?

National Bank of OmanOG MUS:NBOB 49 10-Year RORE % is -24.47 as of Mar. 2026. GuruFocus rates MUS:NBOB with a GF Score™ of 49/100 and a GF Value™ of ر.ع0.29 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,091 Banks companies, National Bank of OmanOG ranks worse than 94.41% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. National Bank of OmanOG's 10-Year RORE % for the quarter that ended in Mar. 2026 was -24.47%.

The industry rank for National Bank of OmanOG's 10-Year RORE % or its related term are showing as below:

MUS:NBOB's 10-Year RORE % is ranked worse than
94.41% of 1091 companies
in the Banks industry
Industry Median: 10.19 vs MUS:NBOB: -24.47

National Bank of OmanOG  (MUS:NBOB) 10-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


National Bank of OmanOG 10-Year RORE % Related Terms


National Bank of OmanOG 10-Year RORE % Historical Data

* Premium members only.

The historical data trend for National Bank of OmanOG's 10-Year RORE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Bank of OmanOG 10-Year RORE % Chart

National Bank of OmanOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.66 1.46 -1.45 -15.31 -26.37

National Bank of OmanOG Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
10-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -14.81 -18.03 -28.65 -26.37 -24.47

MUS:NBOB vs PNC, USB: 10-Year RORE % Comparison

For the Banks - Regional subindustry, National Bank of OmanOG's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


National Bank of OmanOG 10-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of OmanOG's 10-Year RORE % distribution charts can be found below:

* The bar in red indicates where National Bank of OmanOG's 10-Year RORE % falls into.


MUS:NBOB
49GF Score
National Bank of Oman SAOG MUS:NBOB
10-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of OmanOG 10-Year RORE % Calculation

National Bank of OmanOG's 10-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

10-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 10-year -Cumulative Dividends per Share for 10-year )
=( 0.034-0.08 )/( 0.29-0.102 )
=-0.046/0.188
=-24.47 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.

Frequently Asked Questions Learn more about 10-Year RORE % →
What does a 10-Year RORE % of -24.47 mean?
National Bank of OmanOG (MUS:NBOB) has a 10-Year RORE % of -24.47 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on National Bank of OmanOG and its competitors. According to the industry distribution chart, National Bank of OmanOG ranks #1030 out of 1091 companies in the Banks industry, placing it in the top 94.4%.
Is National Bank of OmanOG's 10-Year RORE % too high?
National Bank of OmanOG's current 10-Year RORE % is -24.47. Based on the distribution chart, National Bank of OmanOG ranks #1030 out of 1091 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, National Bank of OmanOG has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of OmanOG's 10-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of OmanOG ranks #1030 out of 1091 companies for 10-Year RORE %. This places National Bank of OmanOG in the lower half of its industry. The industry median 10-Year RORE % is 10.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, based on 1,091 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on National Bank of OmanOG and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of OmanOG's current 10-Year RORE % is -24.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of OmanOG stock overvalued right now?
Based on GuruFocus' analysis, National Bank of OmanOG (MUS:NBOB) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.29, compared to a current price of ر.ع0.45 — trading 55.2% above its estimated fair value. The current 10-Year RORE % is -24.47. National Bank of OmanOG's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For National Bank of OmanOG (MUS:NBOB), the current 10-Year RORE % is -24.47 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Bank of OmanOG (MUS:NBOB) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of OmanOG stock appears to be overvalued. The current stock price of ر.ع0.45 is trading 55.2% above its estimated GF Value™ of ر.ع0.29. GuruFocus considers National Bank of OmanOG to be Significantly Overvalued.

Key valuation signals for MUS:NBOB:

  • 10-Year RORE %: -24.47
  • GF Value™: ر.ع0.29 vs. price of ر.ع0.45 (55.2% above fair value)
  • GF Score™: 49/100 with 5 warning signs

No single metric tells the full story. See the MUS:NBOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Bank of OmanOG Business Description

Address Ruwi, P.O. Box 751, Muscat, OMN, 112
National Bank of Oman SAOG operates with segments including Retail Banking, Wholesale Banking, International Banking, Islamic Banking, and the Funding Centre. Retail Banking offers products and facilities to individual and high net-worth customers, including personal loans, housing loans, credit cards, term loans, and deposit accounts. Wholesale Banking generates the maximum revenue and provides lending, deposits, trade finance, treasury, foreign exchange, and investment banking services. International Banking includes operations in the UAE and Egypt, while Islamic Banking offers Shari'a-compliant products. The Funding Centre manages liquidity, fund allocation, and investments, including asset/liability management and cash instruments. The company generates maximum revenue from Oman.
49GF Score

Get the complete analysis for MUS:NBOB

10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ع0.45
Price
ر.ع0.29
GF Value